Call reports 2016
AMERICAN BANK AND TRUST COMPANY — 2016
What AMERICAN BANK AND TRUST COMPANY reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 197,922,000 | 185,748,000 | 187,558,000 | 192,723,000 |
| Total loans | 91,870,000 | 91,622,000 | 101,166,000 | 99,203,000 |
| Allowance for loan losses | 273,000 | 273,000 | 304,000 | 404,000 |
| Securities available for sale | 74,055,000 | 69,766,000 | 62,746,000 | 62,022,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 162,757,000 | 150,678,000 | 151,590,000 | 153,091,000 |
| Interest-bearing deposits | 97,517,000 | 90,875,000 | 92,103,000 | 88,194,000 |
| Noninterest-bearing deposits | 65,240,000 | 59,803,000 | 59,487,000 | 64,897,000 |
| Equity capital | 22,282,000 | 22,589,000 | 22,698,000 | 22,439,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,724,000 | 3,392,000 | 5,161,000 | 6,929,000 |
| Interest expense | 170,000 | 340,000 | 515,000 | 697,000 |
| Net interest income | 1,554,000 | 3,052,000 | 4,646,000 | 6,232,000 |
| Noninterest income | 522,000 | 1,083,000 | 1,573,000 | 2,058,000 |
| Noninterest expense | 1,497,000 | 3,029,000 | 4,509,000 | 5,887,000 |
| Provision for loan losses | 0 | 0 | 0 | 100,000 |
| Pretax income | 707,000 | 1,321,000 | 2,045,000 | 2,644,000 |
| Income tax | 277,000 | 516,000 | 796,000 | 1,026,000 |
| Net income | 430,000 | 805,000 | 1,249,000 | 1,618,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,717,000 | 21,980,000 | 22,311,000 | 22,568,000 |
| Total capital | 21,990,000 | 22,253,000 | 22,615,000 | 22,972,000 |
| Risk-weighted assets | 131,032,000 | 124,204,000 | 131,562,000 | 132,406,000 |